hp 10BII financial calculator
user’s guide
Edition 1
HP part number F1902-90001
檔名: title_English-050105.doc
頁碼: 第 1/2 頁
Notice
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PROVIDED “AS IS” AND ARE SUBJECT TO CHANGE WITHOUT
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© Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development
Company, L.P. Reproduction, adaptation, or translation of this manual is
prohibited without prior written permission of Hewlett-Packard Company,
except as allowed under the copyright laws.
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Suite 301
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Printing History
Edition 1
檔名: 10BII_English(MP02-2)-040917(Print) 頁碼: 第 2/2 頁
May 2003
10B.book Page 3 Wednesday, June 21, 2000 5:19 PM
Welcome to the HP 10BII
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10B.book Page 4 Wednesday, June 21, 2000 5:19 PM
Features
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Welcome to the HP 10BII
10BTOC.fm Page 5 Thursday, June 22, 2000 12:31 PM
Contents
1
11
11
12
13
14
15
16
17
18
19
21
At a Glance...
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23
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25
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26
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29
30
30
31
31
32
32
Getting Started
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Contents
5
10BTOC.fm Page 6 Thursday, June 22, 2000 12:31 PM
2
33
33
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34
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35
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36
Business Percentages
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Number Storage and Arithmetic
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Picturing Financial Problems
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6
Contents
10BTOC.fm Page 7 Thursday, June 22, 2000 12:31 PM
5
53
53
54
55
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60
63
67
72
72
73
Time Value of Money Calculations
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Cash Flow Calculations
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Statistical Calculations
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Contents
7
10BTOC.fm Page 8 Thursday, June 22, 2000 12:31 PM
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Additional Examples
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Assistance, Batteries, and Service
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Contents
10BTOC.fm Page 9 Thursday, June 22, 2000 12:31 PM
123
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More About Calculations
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Messages
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Index
Contents
9
TOC.fm Page 10 Thursday, June 22, 2000 12:31 PM
at_a_glance.fm Page 11 Sunday, June 25, 2000 2:21 PM
At a Glance...
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At a Glance...
11
fm Page 12 Sunday, June 25, 2000 2:21 PM
Percentages—At a Glance...
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At a Glance...
20.00
33.00
26.60
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fm Page 13 Sunday, June 25, 2000 2:21 PM
Memory Keys—At a Glance…
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At a Glance...
13
at_a_glance.fm Page 14 Sunday, June 25, 2000 2:21 PM
Time Value of Money (TVM)—At a Glance…
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At a Glance...
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360.00
10.00
14,000.00
0.00
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fm Page 15 Sunday, June 25, 2000 2:21 PM
TVM What if…—At a Glance…
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At a Glance...
15
at_a_glance.fm Page 16 Sunday, June 25, 2000 2:21 PM
Amortization—At a Glance…
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At a Glance...
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at_a_glance.fm Page 17 Sunday, June 25, 2000 2:21 PM
Interest Rate Conversion—At a Glance…
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At a Glance...
17
at_a_glance.fm Page 18 Sunday, June 25, 2000 2:21 PM
IRR/YR and NPV—At a Glance…
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At a Glance...
10.00
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fm Page 19 Sunday, June 25, 2000 2:21 PM
Statistics—At a Glance…
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Keyboard Map
1.
2.
3.
4.
5.
6.
7.
8.
9.
Time value of money (page 53)
Separate two numbers (page 28)
Percent (page 33)
Constant (page 37)
Store and recall (page 40)
Change sign (page 24)
Statistics key (page 27)
Shift key (page 27)
Clear display, cancel operation
(page 25)
10. Clear all memory (page 25)
11. On (page 87)
12. Statistical functions (page 87)
13. n through Σxy: statistical
summation registers (page 88)
14. 3-key memory (page 39)
15. Backspace (page 25)
16. Accumulate statistical data
(page 86)
17. Cash flows (page 75)
18. Business functions: margin,
markup, cost, price (page 35)
19. Interest conversion (page 72)
20. Amortization (page 67)
21. Annunciator lines (page 26)
At a Glance...
21
fm Page 22 Sunday, June 25, 2000 2:21 PM
10B.book Page 23 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 26 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 28 Wednesday, June 21, 2000 5:19 PM
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29
10B.book Page 30 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 31 Wednesday, June 21, 2000 5:19 PM
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.book Page 32 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 33 Wednesday, June 21, 2000 5:19 PM
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.book Page 34 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 35 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 36 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 37 Wednesday, June 21, 2000 5:19 PM
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4: Picturing Financial Problems
10B.book Page 49 Wednesday, June 21, 2000 5:19 PM
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10B.book Page 53 Wednesday, June 21, 2000 5:19 PM
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7KHDPRXQWRISHULRGLFSD\PHQWV$OOSD\PHQWV
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7KHIXWXUHYDOXH)9LVHLWKHUDILQDOFDVKIORZRU
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6WRUHVWKHQXPEHURISHULRGVSHU\HDU7KHGHIDXOW
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54
5: Time Value of Money Calculations
Page 55 Wednesday, June 21, 2000 5:19 PM
Begin and End Modes
%HIRUH\RXVWDUWD790FDOFXODWLRQLGHQWLI\ZKHWKHUWKH
ILUVWSHULRGLFSD\PHQWRFFXUVDWWKHEHJLQQLQJRUHQGRI
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0RUWJDJHVDQGORDQVW\SLFDOO\XVH(QGPRGH/HDVHVDQGVDYLQJVSODQV
W\SLFDOO\XVH%HJLQPRGH
Loan Calculations
Example: A Car Loan. <RXDUHILQDQFLQJDQHZFDUZLWKDWKUHH\HDU
ORDQDWDQQXDOQRPLQDOLQWHUHVWFRPSRXQGHGPRQWKO\7KHSULFH
RIWKHFDULV<RXUGRZQSD\PHQWLV
Part 1. :KDWDUH\RXUPRQWKO\SD\PHQWVDWLQWHUHVW"$VVXPH
\RXUSD\PHQWVVWDUWRQHPRQWKDIWHUWKHSXUFKDVHRUDWWKHHQGRIWKH
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PV = 14,500 - 1,500
I/YR = 10.5%
N = 3 × 12
P/YR = 12
1
...
2
35
36
PMT = ?
End Mode
6HWWR(QGPRGH3UHVV
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5: Time Value of Money Calculations
55
10B.book Page 56 Wednesday, June 21, 2000 5:19 PM
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Display:
Description:
12.00
6HWVSHULRGVSHU\HDU
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36.00
10.50
13,000.00
0.00
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.
–372.53
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11,537.59
13,037.59
5: Time Value of Money Calculations
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10B.book Page 57 Wednesday, June 21, 2000 5:19 PM
Example: A Home Mortgage. <RXGHFLGHWKDWWKHPD[LPXPPRQWKO\
PRUWJDJHSD\PHQW\RXFDQDIIRUGLV<RXFDQPDNHD
GRZQSD\PHQWDQGDQQXDOLQWHUHVWUDWHVDUHFXUUHQWO\,I\RXREWDLQ
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PV = ?
I/YR = 7.5%
N = 30 × 12
P/YR = 12
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2
3
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356 357 358 359 360
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Display:
Description:
12.00
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360.00
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133,006.39
145,006.39
5: Time Value of Money Calculations
57
ook Page 58 Wednesday, June 21, 2000 5:19 PM
Example: A Mortgage With a Balloon Payment. <RX·YHREWDLQHGD
\HDUPRUWJDJHDWDQQXDOLQWHUHVW<RXDQWLFLSDWHWKDW
\RXZLOORZQWKHKRXVHIRUIRXU\HDUVDQGWKHQVHOOLWUHSD\LQJWKHORDQ
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PV = 172,500
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N = 25 × 12
P/YR = 12
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300
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300.00
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172,500.00
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5: Time Value of Money Calculations
book Page 59 Wednesday, June 21, 2000 5:19 PM
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2
3
...
4
44 45 46 47 48
PMT = -1,424.06
End Mode
FV = ?
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–164,812.45
5: Time Value of Money Calculations
59
Wednesday, June 21, 2000 5:19 PM
Savings Calculations
Example: A Savings Account. ,I\RXGHSRVLWLQDVDYLQJV
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QRRWKHUGHSRVLWVWRWKHDFFRXQWKRZORQJZLOOLWWDNHIRUWKHDFFRXQWWR
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FV = 3,000.00
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N=?
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1
2
...
3
N=?
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PV = -2,000.00
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0.00
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1.00
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3,000.00
7.20
5.83
5: Time Value of Money Calculations
.book Page 61 Wednesday, June 21, 2000 5:19 PM
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6.00
3,035.28
Example: An Individual Retirement Account. <RXRSHQHGDQ
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FV= ?
(Half-months periods)
1 2 3 4
I/YR = 6.3%
N = 360 (15 years × 24 half-months)
P/YR = 24
...
360
PMT = -80.00
PV = -2,000.00
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5: Time Value of Money Calculations
61
ook Page 62 Wednesday, June 21, 2000 5:19 PM
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...
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P/YR = 12
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62
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600
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5: Time Value of Money Calculations
.book Page 63 Wednesday, June 21, 2000 5:19 PM
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12.00
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–400,000.00
7.00
600.00
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2,392.80
Lease Calculations
$OHDVHLVDORDQRIYDOXDEOHSURSHUW\OLNHUHDOHVWDWHDXWRPRELOHVRU
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5: Time Value of Money Calculations
63
10B.book Page 64 Wednesday, June 21, 2000 5:19 PM
FV = 7,500.00
Money received
by lessor
is positive
PMT = ?
1
2
...
35
I/YR = 10%
N = 36
P/YR = 12
PV = -13,500.00
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Money paid out
by lessor is
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10.00
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7,500.00
36.00
253.99
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64
5: Time Value of Money Calculations
10B.book Page 65 Wednesday, June 21, 2000 5:19 PM
Example: Lease With Advance Payments. <RXUFRPSDQ\4XLFN.LW
3ROH%DUQVSODQVWROHDVHDIRUNOLIWIRUWKHZDUHKRXVH7KHOHDVHLVZULWWHQ
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Begin Mode
PV = ?
I/YR = 9%
N = 48
P/YR = 12
1
2
3
4
...
44 45 46 47 48
PMT = -2,400.00
(48th payment due up front)
FV = -15,000.00
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5: Time Value of Money Calculations
65
10B.book Page 66 Wednesday, June 21, 2000 5:19 PM
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47.00
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a
Keys:
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108,356.77
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H[SODLQHGRQSDJH 5: Time Value of Money Calculations
10B.book Page 67 Wednesday, June 21, 2000 5:19 PM
Amortization
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10B.book Page 95 Wednesday, June 21, 2000 5:19 PM
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What if … TVM Calculations
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8: Additional Examples 107
.book Page 108 Wednesday, June 21, 2000 5:19 PM
Savings
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Value of a Taxable Retirement Account
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10B.book Page 121 Wednesday, June 21, 2000 5:19 PM
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A: Assistance, Batteries, and Service 121
10B.book Page 122 Wednesday, June 21, 2000 5:19 PM
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A: Assistance, Batteries, and Service 123
10B.book Page 124 Wednesday, June 21, 2000 5:19 PM
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124 A: Assistance, Batteries, and Service
10B.book Page 125 Wednesday, June 21, 2000 5:19 PM
Service Agreements
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A: Assistance, Batteries, and Service 125
Japan
Disposal of Waste Equipment by Users in Private Household in
the European Union
This symbol on the product or on its packaging indicates
that this product must not be disposed of with your
other household waste. Instead, it is your responsibility
to dispose of your waste equipment by handing it over to
a designated collection point for the recycling of waste
electrical and electronic equipment. The separate
collection and recycling of your waste equipment at the
time of disposal will help to conserve natural resources and ensure that it
is recycled in a manner that protects human health and the environment.
For more information about where you can drop off your waste
equipment for recycling, please contact your local city office, your
household waste disposal service or the shop where you purchased the
product.
End-user terms and conditions
HP 10B II Calculator
Warranty period: 12 months
1. HP warrants to you, the end-user customer, that HP hardware,
accessories and supplies will be free from defects in materials and
workmanship after the date of purchase, for the period specified
above. If HP receives notice of such defects during the warranty
period, HP will, at its option, either repair or replace products which
prove to be defective. Replacement products may be either new or
like-new.
2. HP warrants to you that HP software will not fail to execute its
programming instructions after the date of purchase, for the period
specified above, due to defects in material and workmanship when
properly installed and used. If HP receives notice of such defects
126 A: Assistance, Batteries, and Service
during the warranty period, HP will replace software media which
does not execute its programming instructions due to such defects.
3. HP does not warrant that the operation of HP products will be
uninterrupted or error free. If HP is unable, within a reasonable
time, to repair or replace any product to a condition as warranted,
you will be entitled to a refund of the purchase price upon prompt
return of the product.
4. HP products may contain remanufactured parts equivalent to new
in performance or may have been subject to incidental use.
5. Warranty does not apply to defects resulting from (a) improper or
inadequate maintenance or calibration, (b) software, interfacing,
parts or supplies not supplied by HP, (c) unauthorized modification
or misuse, (d) operation outside of the published environmental
specifications for the product, or (e) improper site preparation or
maintenance.
6. Hewlett-Packard makes no other express warranty or condition
whether written or oral. To the extent allowed by local law, any
implied warranty or condition of merchantability, satisfactory quality,
or fitness for a particular purpose is limited to the duration of the
express warranty set forth above. Some countries, states or
provinces do not allow limitations on the duration of an implied
warranty, so the above limitation or exclusion might not apply to
you. This warranty gives you specific legal rights and you might also
have other rights that vary from country to country, state to state, or
province to province.
7. To the extent allowed by local law, the remedies in this warranty
statement are your sole and exclusive remedies. Except as indicated
above, in no event will Hewlett-Packard or its suppliers be liable for
loss of data or for direct, special, incidental, consequential (including
lost profit or data), or other damage, whether based in contract, tort,
or otherwise. Some countries, States or provinces do not allow the
exclusion or limitation of incidental or consequential damages, so
the above limitation or exclusion may not apply to you.
8. For consumer transactions in Australia and New Zealand: the
warranty terms contained in this statement, except to the extent
lawfully permitted, do not exclude, restrict or modify and are in
addition to the mandatory statutory rights applicable to the sale of
this product to you.
A: Assistance, Batteries, and Service 127
10B.book Page 128 Wednesday, June 21, 2000 5:19 PM
appendix_B.fm Page 129 Thursday, June 22, 2000 12:33 PM
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Effect of Using Σ– to Correct Data
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Equations
Margin and Markup Calculations
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Cash-Flow Calculations
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Statistics
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B: More About Calculations 135
.fm Page 136 Thursday, June 22, 2000 12:33 PM
appendix_C.fm Page 137 Sunday, June 25, 2000 4:17 PM
C
Messages
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